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High-Cost Loans by Property Type and Purpose, 2016
Place County Property Type Home Purchase Home Improvement Refinance
High-Cost Non-High-Cost or Unknown High-Cost Non-High-Cost or Unknown High-CostNon-High-Cost or Unknown
St. Lucie County St. Lucie One to four-family (other than manufactured housing) 1107 7570 27 922 154 4750
St. Lucie County St. Lucie Manufactured housing 18 28 - 40 - -
St. Lucie County St. Lucie Multifamily - 6 - - 1 9
Notes:  Shows loan applications resulting in loan origination only. For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2016
High-Cost, Owner Occupied Home Purchase Loans by Loan Amount, 2016
Place County Loan Amount High-CostNon-High Cost or Unknown
St. Lucie County St. Lucie less than $50,0000 16 97
St. Lucie County St. Lucie $50,000 to $74,999 38 199
St. Lucie County St. Lucie $75,000 to $99,999 66 330
St. Lucie County St. Lucie $100,000 to $124,999 141 653
St. Lucie County St. Lucie $125,000 to $149,999 325 1373
St. Lucie County St. Lucie $150,000 to $174,999 143 618
St. Lucie County St. Lucie $175,000 to $199,999 123 954
St. Lucie County St. Lucie $200,000 to $249,999 167 1335
St. Lucie County St. Lucie $250,000 to $299,999 40 579
St. Lucie County St. Lucie $300,000 to $399,999 2 290
St. Lucie County St. Lucie $400,000 to $499,999 - 88
St. Lucie County St. Lucie $500,000 to $599,999 - 16
St. Lucie County St. Lucie $600,000 to $699,999 - 5
St. Lucie County St. Lucie $900,000 to $999,999 - 8
St. Lucie County St. Lucie $1,000,000 to $4,999,999 - 9
Notes:  Shows loan applications resulting in loan origination only. For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2016
High-Cost, Owner-Occupied Home Purchase Loans by Race, 2016
Place County Race High-CostNon-High Cost or Unknown
St. Lucie County St. Lucie American Indian or Alaska Native 4 36
St. Lucie County St. Lucie Asian 12 63
St. Lucie County St. Lucie Black or African American 219 823
St. Lucie County St. Lucie Native Hawaiian or Other Pacific Islander 3 28
St. Lucie County St. Lucie White 771 5213
St. Lucie County St. Lucie Information not provided by applicant in mail, Internet, or telephone application 52 389
St. Lucie County St. Lucie Not applicable - 2
Notes:  Shows loan applications resulting in loan origination only. For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2016
High-Cost, Owner Occupied Home Purchase Loans by Hispanic/Latino Ethnicity, 2016
Place County Ethnicity High-CostNon-High Cost or Unknown
St. Lucie County St. Lucie Hispanic or Latino 249 1021
St. Lucie County St. Lucie Not Hispanic or Latino 768 5166
St. Lucie County St. Lucie Information not provided by applicant in mail, Internet, or telephone application 44 361
St. Lucie County St. Lucie Not applicable - 6
Notes:  Shows loan applications resulting in loan origination only.For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2016
High-Cost, Owner Occupied Home Purchase Loans, 2005-2016
Place County 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or Unknown High-Cost as % of Total Loans High-Cost Non-High Cost or UnknownHigh-Cost as % of Total Loans
St. Lucie County St. Lucie 4491 6349 41.00 4496 4349 51.00 1252 2868 30.00 338 2294 13.00 231 2345 9.00 51 1950 3.00 64 1595 4.00 168 2890 5.00 500 3137 14.00 1238 3916 24.00 964 5282 15.00 1061 6554 14.00
Notes:  Shows loan applications resulting in loan origination only. For more information, see HMDA User Guide.
"High-Cost" loans are those for which lenders must report the spread between the annual percentage rate (APR) on the loan and a benchmark for a typical prime rate loan. The High-Cost category is intended to flag loans that are likely to be subprime. Prior to October 1, 2009, for first lien loans, the threshold for reporting was 3 percentage points above the Treasury security; for junior lien loans, the threshold was 5 percentages points above the Treasury security. Starting October 1, 2009, the threshold was 1.5 percentage points above the average prime rate offer from Freddie Mac's Primary Mortgage Market Survey (PMMS) for first lien loans and 3.5 percentage points for junior lien loans. See Guide to HMDA Reporting.
Sources:  Home Mortgage Disclosure Act data 2005-2016